The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Term life insurance does not payout. The only time you will get any money back from a term policy is an ROP or Return Of Premium policy. In that case, once the specified term has completed, the base premiums are returned. Whole life insurance will pay out (or 'endow') the face amount at maturity.